In short
This is not a ranking and not an offer. We compare facts from the banks’ public documents and representative examples, recalculated for the same amounts. The bank sets your final rate and loan amount after assessing your application.
The scheme in both banks
| Condition | PKO Bank Polski | Bank Pekao |
|---|---|---|
| APRC in the scheme example | 7.45% | 6.73% |
| Rate in the example | 6.09% | 6.25% |
| Loan term | 15–35 years | not stated on the programme page |
| Instalment on PLN 500,000 over 25 years | PLN 3,249 | PLN 3,298 |
Only what the banks publish on their scheme pages. Each bank’s full list of conditions, quoted in Polish, is on the Polish version of this page.
The instalment without a deposit
At the scheme example rates, the instalment on PLN 500,000 over 25 years is PLN 3,249 at PKO Bank Polski and PLN 3,298 at Bank Pekao: PLN 49 a month less, or PLN 2,957 over the five fixed-rate years. After a second child is born or adopted, BGK repays PLN 20,000 of the capital, and PLN 60,000 after a third, the same at both banks.
What is the same in both banks
The BGK guarantee covers up to 20% of the property value, at most PLN 100,000, and costs 1% of the guaranteed amount once. The loan must run for at least 15 years.
Which one should you choose?
PKO Bank Polski and Bank Pekao confirm the amount, margin and terms only after assessing your application, and a personal offer is often better than the advert. A mortgage expert can apply to both and compare the information sheets (ESIS) at no cost to you, because the bank pays for the service.
Compare PKO Bank Polski and Bank Pekao for you
Frequently asked questions
PKO Bank Polski or Bank Pekao: where is the family housing loan cheaper?
In the banks’ representative examples for the scheme, the APRC is 7.45% at PKO Bank Polski and 6.73% at Bank Pekao. The banks calculate them for different amounts and terms, so your own offer decides: apply to both and compare the information sheets.
Can a foreigner use the family housing loan?
Only together with a spouse or partner who has Polish citizenship: the programme is for Polish citizens, including those living abroad. The second condition is not owning a home.
Do I need a deposit at PKO Bank Polski or Bank Pekao?
No: BGK guarantees the missing deposit, up to 20% of the value and at most PLN 100,000. You still pay the transaction costs (notary, taxes, estate agent) from your own money.
Other comparisons
- PKO Bank Polski or Bank Pekao for a single buyer
- PKO Bank Polski or Bank Pekao with a 10% deposit
- PKO Bank Polski or Erste Bank Polska: family housing loan
- PKO Bank Polski or Alior Bank: family housing loan
Full comparison of PKO Bank Polski and Bank Pekao (in Polish) · All bank comparisons
Sources
- PKO Bank Polski: kredyt mieszkaniowy ze spłatą rodzinną
- Bank Pekao: kredyt bez wkładu własnego z gwarancją BGK
- ustawa z 1 października 2021 r. o rodzinnym kredycie mieszkaniowym i bezpiecznym kredycie 2% (tekst jednolity Dz.U. 2024 poz. 1724 ze zm.)
This guide describes general rules and typical bank practice as of October 2026. Details
It is not legal or tax advice and not a bank offer. Each bank sets its own criteria, and the lending decision is always made by the bank.